While it is doubtful that in the next decade or so we will see debt relief service demand at the levels experienced in 2009-2010, we should see a greater demand in the next three to five years. It will just take time to reload the consumer debt pipeline.
A number can't tell you much of anything, except that creditors consider you a good or bad credit risk. But the factors that make up your credit score -- like your percentage of on-time payments -- do tell you how where you need to change your financial behavior.
When banks and other financial institutions can borrow unlimited amounts from Ben Bernake and the Federal Reserve, while paying almost zero interest, they have no business charging consumers over 15% on the money we borrow.